In fact, not only online lending platforms, but also bank loans will be intensively overdue at the end of the year. Therefore, we must first understand the essence of P2P online lending, adjust our mentality, and then strive to build professional skills, improve our risk identification ability, and identify a relatively safe and reliable platform for investment as much as possible.
According to my many years' work experience and investment experience, I summed up the three-step method of "finding a boss, looking after custody and distinguishing business", which may not be completely accurate, but it can basically avoid more than 95% of the "mining" platforms. The specific description is as follows:
1. Find the boss
Through the website of the platform, carefully check whether the domain name, filing and address of the website are inconsistent with the introduction information on the company website. As a company engaged in financial business, we must be down-to-earth and do things rigorously. Accurate company, domain name and filing information is the most basic requirement. Never invest in an online lending platform with inaccurate information.
Through information such as industry and commerce, carefully check and analyze the background information of platform shareholders. Through multi-channel information search, combined with the company's relevant news reports, find the real actual controller of the platform.
Inquire deeply about the social influence, financial strength and brand value of the actual controller of the platform, and comprehensively evaluate the default cost of the platform.
Be sharp-eyed, identify platforms that exaggerate packaging and excessive publicity, and avoid such platforms.
Look at trusteeship
According to the industry supervision policy, P2P online lending platform should implement bank fund custody.
Through fund custody, capital flow and information flow are completely isolated. User funds are deposited in the bank trust account, and the platform completely loses control over user funds. It can only lock or transfer the funds in the account based on the bidding information and loan contract, and it is strictly guaranteed by the bank's reputation.
Deposit and management of funds can avoid risks such as fund pool in P2P industry to the greatest extent and ensure the safety of investors' funds.
For the sake of safety, in the current form, we suggest that only online lending platforms with funds custody should be selected.
Before formal investment, we should carefully observe whether the platform is really connected to the fund depository. If there is a platform publicity user's funds in the bank, investors must check whether the bank provides fund custody services for P2P platform, and also need to directly ask the relevant personnel of the bank to determine whether the platform publicity is true.
If the platform really has access to bank deposits, you need to open a bank deposit account at the same time after the platform is registered. Please check it carefully.
3. Differentiate business
With the rapid development of P2P online lending, regulatory policies have made some specific specifications on the types of P2P online lending business. For example, "peer-to-peer lending Regulatory Rules" clearly stipulates that the borrowing limit of the same borrower in P2P online lending industry on the same platform is 200,000, and the borrowing limit of the same enterprise institution on the same platform is 6,543,800+0,000. Therefore, we carefully identify the business model of the online lending platform.
Let's first look at how the creditor's rights on the platform are generated. Is it the creditor's rights issued by the platform itself or the creditor's rights generated by the third party company that sells it? What kind of customer is the borrower? Whether it conforms to the principle of small decentralization of online loan supervision and whether it conforms to the principle of single upper limit.
Second, look at the protection provided by the platform for investment. Safeguard measures include risk deposit mode or guarantee company guarantee mode. If it is the guarantee of the margin model, how to accumulate and withdraw the margin? If it is a guarantee company, what is the strength of the guarantee company? These points are worth studying.
Finally, take a closer look at the information posted on the platform. You might as well calm down and think about it. If you are an investor, are you willing to lend money to this customer? If you think it's risky and won't lend it to him, please stay away from this platform.
To sum up, the platform is basically reliable if it can pass the evaluation of "looking for a boss, looking at custody and arguing business". It is suggested that some funds can be invested in a short time to strive for a relatively high fixed income.
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